they do need to have the balance of younger and healthier people who do not need as many healthcare services, along with those, the older people who might need more, in order for there to be a good risk balance. that is a big concern. i think with the administration, they really wanted, maybe if you are a young adult under 26, you have insurance under your parent plan and then you turned 27 and do not have insurance anymore, you have been used to having insurance, u.s. in the benefits, and that might prompt you to get a plan. a person under 30 in the exchanges can buy catastrophic lands, which gives you the basic services, emergency room coverage, for a lower cost. you get fewer services covered, but at a more affordable rate. they are trying to make this work so young people do enter the marketplaces and get the insurance coverage and really make that benefit work for them. host: on twitter -- is that something you can speak to? guest: it is true in a lot of the states, especially those running their own exchanges, there is a huge difference between what the cost of the plan is in mississip